Just a few days left to call your IRA custodian and take your MRD.   The IRS has a hefty penalty if you forget.

Here's six great tips for the over 70 crowd from US News:

Compare retirement accounts. If you have multiple IRA accounts, you must include all the IRA balances in your distribution calculation, but you don't have to take money out of each one. "All the IRS cares about is that you take out the correct total fee and not the amount withdrawn from an individual account," says Jeremy Welther, a financial adviser for Brinton Eaton Wealth Advisors in Morristown, N.J. "If you have an account with higher fees, you may want to take it from that account as opposed to one that is doing better."

You can also choose based on an IRA's performance. "If you have invested in equities or stocks and have had remarkable performance, you may want to take your RMD from the gains that have been made there rather than giving them back to the market," Barton says.